Senior Software Engineer - Card Issuing jobs in United States
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BillGO · 4 weeks ago

Senior Software Engineer - Card Issuing

positionFort Collins, CO
timeFull-time
remoteOnsite
senioritySenior Level
money$133K/yr - $185K/yr
date5+ years exp

BillGO, Inc. is seeking a Senior Software Engineer to design and build infrastructure and applications for their card issuing platform. The role involves collaborating with various teams and partners to develop secure and efficient systems that integrate AI for fraud detection and transaction insights.

Financial ServicesFinTechPayments
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H1B Sponsor Likelynote

Responsibilities

Design, build, and maintain the core systems behind our virtual card issuing platform
Integrate AI-powered services for fraud detection, anomaly monitoring, and transaction insights
Build APIs and services that power card creation, spend controls, tokenization, and reconciliations
Collaborate with Product, Risk, and AI/ML teams to develop machine learning–driven authorization rules and customer-facing analytics
Work closely with network partners (Visa, Mastercard) and issuing processors to ensure secure, compliant, and performant issuing flows
Act as a subject matter expert on issuing technology and AI-driven enhancements
Lead technical development of issuing features: card lifecycle management, spend controls, tokenization, and real-time transaction processing
Own integrations with card networks and issuing processors (Marqeta, Galileo, Lithic, or direct to network)
Build resilient, observable systems that handle real-time authorization events and sensitive payment data
Implement real-time AI-based fraud detection pipelines that learn from transaction patterns
Integrate LLM-powered support and operations tooling for internal teams (e.g., automated dispute summaries, transaction anomaly explanations)
Build AI-driven customer dashboards showing spend patterns, merchant risk profiles, and cost optimization recommendations
Participate in architecture reviews, incident response, and production hardening
Monitor and optimize system performance and cost-efficiency as the platform scales
Stay current on card network updates, fraud trends, AI advancements, and regulatory shifts

Qualification

Java developmentCloud architectureCard issuing experienceAI/ML integrationDistributed system designPayment systems knowledgeProduct-minded approachCollaboration skillsProblem-solving skills

Required

5+ years backend engineering experience, ideally in FinTech or Payments
2+ years working directly on card issuing, processing, or payment systems
Comfortable with card networks, BIN sponsors, issuing processors
Understand authorization flows, ISO8583, PCI-DSS, and tokenization
Fluent in backend development (Node.js, Python, Go, or Java) and distributed system design
Hands-on experience integrating AI/ML models into production systems
Can design secure, auditable, and highly-available services
Product-minded and love influencing roadmaps with data-driven and AI-enabled insights
Thrive in startup environments with evolving needs

Preferred

Experience with Marqeta, Galileo, Lithic, or other issuing platforms
Experience with fraud detection models, merchant categorization ML, or real-time anomaly detection
Familiar with vector databases and LLM orchestration frameworks (LangChain, Semantic Kernel, etc.)
Built customer-facing AI features such as transaction categorization, forecasting, or spend optimization
Exposure to PCI-DSS, SOC 2, KYC/AML, and compliance-heavy environments

Company

BillGO

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BillGO is changing the status quo with a modern bill managements and payments platform.
dateFounded in 2015
location
Fort Collins, Colorado, USA
people-size51-200 employees
web-link
https://www.billgo.com

H1B Sponsorship

BillGO has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (2)
2024 (2)
2023 (3)
2022 (9)
2021 (8)
2020 (5)

Funding

Current Stage
Growth Stage
Total Funding
$118.67M
Key Investors
BankTech VenturesUSAA
2023-10-18Series B· $5M
2020-08-05Series Unknown· $60M
2020-07-01Series Unknown· $12.17M

Leadership Team

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Dan Holt
CEO, Co-Founder
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Recent News

Crowdfund Insider
BillGO Survey Highlights Cash Flow Importance to SMBs
2025-10-27
Payments Dive
Small business isn’t quitting checks
2025-07-03
Google Patent
Electronic communication and transaction processing
2025-05-04
Company data provided by crunchbase